EMI vs SIP for ₹900,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 6,826
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 6,272
Monthly Savings
₹ 555
SIP Investment
@ 12% for 26 years
₹ 1,193,238
Extra Interest Paid
₹ 236,506
Final Outcome
₹ 956,732
Profit from SIP strategy
Analysis
For ₹900,000 loan at 7%, investing savings can generate ₹1,193,238.
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